Date Received: 2023-06-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I am writing to request Ally financial to immediately send me my full refund check for my XXXX XXXX XXXX, Despite paying my account in full on XX/XX/XXXX, I still have a remaining balance owed to me. It is currently XX/XX/XXXX, and the XXXX business day timeframe promised has elapsed without me receiving the check. Over the past XXXX months, I have repeatedly called to inquire about my refund, to no avail. Even after being informed that delivery was switched from XXXX to XXXX Overnight, no supervisor has been able to provide me with a tracking number for my checks. Therefore, I demand that you send me my check immediately to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the day I was paid, XX/XX/2023, I tried to log in to my account to transfer my rent money, and I was not able to log in due to my account being locked. I called in and tried to get some type of understanding, and the associates were rude and hung up on my face every time I called. I have never experienced this type of customer service from an institution like this before. They told me my account was being investigated and they had no other information. I lost my purse and my account was stolen and I disputed the charges, I have never used the account for anything else. They put my account in the negative after the matter was already resolved months ago. When I called today before the woman hung up in my face, she was saying my account was in the process of being closed and all of my money is currently in this account. They have put my account in the negative to {$1700.00} and over {$3500.00} was deposited into the account from my check. My account was in good standing with {$750.00} in it before this happened on XX/XX/XXXX. I received no notice about any of this besides them sending me an email saying that my telephone banking pin was changed and I have not changed anything, then they sent me an email stating they suspected suspicious activity on my account on XX/XX/XXXX, which doesnt make sense because my account has been locked havent even been able to log in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have an Ally Credit Card and have been using it no problem for the last 6 months. Last Month they initiated a process to integrate their website so that Credit Card users and Bank users will go through Ally.com to access their account. As part of this process I lost access to see my account on card.ally.com and had to re-register on the banking website ally.com. I went to the page and entered my information, it then prompted me to send me a registraction code to my phone number or email. The number and email it showed though were both a very old email and phone number that I no longer use so couldn't recieve the code. I called the bank on the number provided and spoke to customer service at the credit card company. They told me they saw what the issue was and had opened a ticket and that it would be fixed in 5-7 days and someone would reach out to me. I went away on vacation and over the time, neve was responded to or provided any fix. After I got back, I called the number gain and I spoke with a manager. She told me that they had sent the information to the bank side which managed the system and thought they had changed it, but obviously it hadn't. She mailed me a letter as they don't email or call with issues, this seems like a silly policy, that said they created the ticket. She said that it should be fixed in 5-7 days, that was a week ago. I also called the Bank number and was told that they can't help me as I don't have a bank account, I said I ahve a credit card and that the Credit Card company said that the bank had to apply the fix. I filed a complaint and gave a very low review on the customer support line. I then called the Credit Card company two days ago. They said that they are working on it, but it still hasn't been resolved but someone would contact me within 48 hours. Nobody has reached out to me yet. I still can't access my account on the website, I was able to pay my bill online, but I need to be able to access my information to manage my account. I attached screenshots of what happened, I don't have the letter yet, but can provide that when I do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am the co-signer. Ally financial never reached out to contact my daughter who is the primary on the account. So I did not know there was an issue with payment. They said she was a month late on payment but went after me for my credit. My score dropped XXXX points. So I got ambushed. They would call me during work so I could not answer exactly when they called. When I would return call Ally financial they repeatedly dropped my calls or hung up on me. I called Ally at least 5 times with the same result. Did not get rep on the phone until after the fact. If you look at my credit history over past 10yrs anyone will see I am very prompt about staying on top of my bills. An opportunity would have been nice. Seems some degree of laziness on Allys behalf is the issue. My daughters grandmother passed away and had to pay for funeral costs. They never properly contacted anyone so they would not know that. No true procedure for communicating with there customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: To Whom it May Concern, Thank you for taking the time to review my complaint. The responsible party is Ally Auto. For over a month, I received 3+ phone calls a day ( starting at XXXX XXXX sharp ) regarding late payments due to a change in my employment situation. I repeatedly engaged with Ally reps on the phone and communicated my situation thoroughly, even making smaller good-faith payments to demonstrate my commitment. This did not stop the repeated phone calls to both myself and members of my family who are not at all involved with the loan. This caused a great deal of stress and hardship and Ally should be held accountable for this. I have a screenshot of an example day of harassment with the multiple phone calls I received. You will see that one morning, they called me 3 times before XXXX XXXX. In my opinion this was predatory behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Dear Sir/Madam, I am writing to formally lodge a comprehensive complaint against Ally Financial for their role in the unfair and deceptive practices during my purchase of a XXXX XXXX from XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX Misrepresentation of Loan Terms : Ally Financial processed and approved a loan for my vehicle, which I believed to have an interest rate of XXXX % based on the initial invoice contract dated XX/XX/XXXX. However, upon receipt of my first billing statement, I found that the interest rate was substantially higher, at XXXX %. This discrepancy has resulted in a significantly increased financial burden and inflated overall cost of the vehicle. 2. Inconsistent Financing Terms : The terms of the loan presented to me were inconsistent. The initial invoice contract stated the price and financing terms clearly but did not mention any stipulations related to arbitration. However, the subsequent Retail Installment Contract signed on XX/XX/XXXX, introduced an arbitration clause, significantly altering the terms to my disadvantage. This change was neither clarified nor adequately explained to me. 3. Undisclosed Relationships and Potential Kickbacks : I have reasons to believe that Ally Financial and XXXX XXXX XXXX may have a pre-existing business relationship, possibly involving kickbacks or incentives, which was not disclosed to me during the negotiation or finalization of my vehicle purchase. This lack of transparency raises concerns about the fairness and legitimacy of the loan terms and interest rate. 4. Noncompliance with TILA : Ally Financial 's failure to accurately disclose the terms of my auto loan, as well as their potential noncompliance with the arbitration disclosure requirements, may constitute violations of the Truth in Lending Act ( TILA ). TILA mandates that lenders provide borrowers with clear, accurate, and meaningful information about the cost and terms of credit. These alleged malpractices by Ally Financial are not only detrimental to me but also potentially harmful to a wider consumer base. I, therefore, appeal to the CFPB to exercise its authority to investigate and rectify these injustices. Thank you for your time and consideration. I am confident that the CFPB will uphold its commitment to consumer protection and ensure fair practices in the auto financing industry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the abuse of a XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized, unverified hard inquiries on my credit report must be removed in accordance with the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Multiple inquiries when applying for vehicle multiple inquiries on XXXX credit card and multiple inquiries by mortgage companies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I received a buyout from Ally Financial ( Ally ) for my lease of a XXXX XXXX XXXX. This buyout quote was for {$31000.00} and was XXXX through XX/XX/XXXX. The check was placed in the mail on XX/XX/XXXX with tracking services through XXXX. The check was awaiting pickup at the post office on Sunday XX/XX/XXXX at XXXX. Ally did not pick it up this day, presumably because it was a Sunday and therefore not a business day per Reg CC ( ex. XXXX XXXX XXXX holidays ). Ally assert that they received the check on Monday XX/XX/XXXX. When I realized the check did not arrive until XXXX day later I chatted with them through their online portal to confirm this would be okay. On XX/XX/XXXX XXXX XXXX from Ally informed me that there would not be a late fee until XXXX days after the due date of XX/XX/XXXX. After posting the payment to my account and showing a XXXX balance ( paid off ) they have now added {$240.00} to the amount owed. There is no way I could've know about this fee or how to avoid it since they did not inform me of it when I reached out and it is not in my contract. I assert that this fee is Unfair and Abusive due to the excessive amount and the fact that it was not disclosed. They are calling it a settlement fee and I have asked them to help me understand what this is and how they have the right to charge {$240.00} for a check being received on the first business day after the calendar day that it was due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68022
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A